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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2016 Bureau of Fraud Deterrence Enforcement Activity
Previous Activity: 2015 Enforcement > 2014 Enforcement
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
January > February > March
 
March


Executed Consent Orders

Maria D. Lage Silva, Kearny, NJ
Order # 15-52398-35, March 2, 2016
Respondent, Maria D. Lage Silva, failed to disclose a licensed household member on an application for automobile insurance with Progressive Garden State Insurance Company on March 14, 2015.
Civil Penalty: $1,500

Julia Vallejo, Kearny, NJ
Order #15-51823-35, March 2, 2016
Respondent, Julia Vallejo, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application, electronically signed and dated October 6, 2011, by failing to disclose a licensed household resident and a resident.
Civil Penalty: $1,500

Theodoro Lutas, Sayreville, NJ
Order #14-51087-35, March 2, 2016
Respondent, Theodoro Lutas, conspired with Jean Halligan, who knowingly provided false and misleading information on an auto application with New Jersey Manufacturers Insurance Company dated March 2009 and on all subsequent policy renewals up to 2012. Specifically, they claimed they were married, when in fact they were divorced prior to the application. In addition, Theodoro Lutas exclusively possessed, operated and garaged a policy vehicle at his home in Marlboro, NY, for the duration of the policy period of 2009 through 2012.
Civil Penalty: $1,500

Julio Alvarado, Morristown, NJ
Order #13-52168-35, March 2, 2016
Respondent, Julio Alvarado, knowingly provided false and misleading information to Liberty Mutual Insurance Company on various policy declarations from 2011 through 2014, specifically, by not disclosing numerous additional drivers and garaging locations.
Civil Penalty: $5,000

Ashley M. Traverso, Rockaway, NJ
Order #15-51920-35, March 9, 2016
Respondent, Ashley M. Traverso, knowingly concealed misleading information on an auto application to IFA Insurance Company dated October 17, 2014, by failing to disclose a household resident.
Civil Penalty: $1,500

Iyeshia S. Green, Jersey City, NJ
Order #14-52822-35, March 9, 2016
Respondent, Iyeshia S. Green, knowingly concealed information on an auto insurance application to IFA Insurance Company by failing to disclose that her then fiancé was a regular operator of her vehicle.
Civil Penalty: $1,500

Diego Buritica, Long Branch, NJ
Order #15-51271-35, March 8, 2016
Respondent, Diego Buritica, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company on his November 8, 2014 application for auto insurance by failing to disclose household members and/or operators of the insured vehicle, specifically his wife.
Civil Penalty: $1,500

Tarek Singleton Ransom, Plainfield, NJ
Order #15-52341-35, March 8, 2016
Respondent, Tarek Singleton Ransom, when signing her December 21, 2012 application, knowingly failed to disclose to CURE Auto Insurance Company additional residents of the policy household.
Civil Penalty: $1,500

Stanley Jones, Newark, NJ
Order #14-53663-35, March 3, 2016
Respondent, Stanley Jones, a named insured, when adding a 2015 GMC to an NJM Insurance Company policy on April 22, 2014, knowingly failed to disclose his true Newark, NJ address.
Civil Penalty: $1,500

Holly C. Hill, Trenton, NJ
Order #11-23070-41, March 3, 2016
Respondent, Holly C. Hill, knowingly failed to disclose that she had returned to gainful employment on September 28, 2009, which would have terminated her disability benefits which continued until October 2010.
Civil Penalty: $2,500

Faramarz Azimi, Belle Mead, NJ
Order #12-52284-10, March 9, 2016
Respondent, Faramarz Azimi, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company.  Specifically, he stated that on September 2, 2011, a basement sink cold water compression valve leaked and flooded his basement. Faramarz Azimi submitted a post-loss American Water Company bill that showed a meter reading of 46,376 gallons of water used between September 13, 2011 and September 29, 2011.  This water was, in fact, not dispensed on September 2, 2011, and could not have caused damage to his basement.
Civil Penalty: $2,500

Edwin Villanueva, Paterson, NJ
Order #13-53146-35, March 24, 2016
Respondent, Edwin Villanueva, gave false and misleading information to Metropolitan Property & Casualty Insurance Company on an auto application dated February 22, 2013. Specifically, Edwin Villanueva failed to disclose a household member.
Civil Penalty: $1,500

Salvatore LaPlaca, Fairlawn, NJ
Order #13-51269-35, March 24, 2016
Respondent, Salvatore LaPlaca, knowingly made a misleading statement on an automobile application dated December 1, 2012, to CURE Auto Insurance Company. Specifically, he failed to list other household members on his application.
Civil Penalty: $1,500

Keith Ross, Irvington, NJ
Order #15-51559-35, March 24, 2016
Respondent, Keith Ross, did knowingly provide CURE Auto Insurance Company false and misleading information on an automobile insurance policy application dated May 14, 2013, and on a renewal declaration page dated May 15, 2014, by failing to disclose additional regular operators and the garaging location of the vehicle.
Civil Penalty: $1,500

Laurie A. Russell, Ocean Grove, NJ
Order #15-52203-35, March 24, 2016
Respondent, Laurie A. Russell, submitted false and misleading statements on her CURE Auto Insurance Company auto policy application dated July 29, 2013, and her renewal questionnaire dated May 5, 2014. Specifically, Laurie A. Russell failed to disclose a household member that lived at her residence and possessed a valid driver's license.
Civil Penalty: $1,500

James Sullivan, Willingboro, NJ
Order #15-52119-35, March 24, 2016
Respondent, James Sullivan, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated January 14, 2014, and subsequent renewal questionnaire dated November 1, 2014, by knowingly failing to disclose a household resident and an operator of an insured vehicle. The insured vehicle was also being used for commercial purposes.
Civil Penalty: $1,500

Michael T. Killmer, Forked River, NJ
Order #15-50429-35, March 24, 2016
Respondent, Michael T. Killmer, provided a materially false statement to CURE Auto Insurance Company on May 5, 2014, in obtaining automobile insurance, by knowingly failing to disclose a household resident whose New Jersey driver's license was suspended and who was an operator of a vehicle registered to him.
Civil Penalty: $1,500

Brenan Duffy, Moorestown, NJ
Order #15-51252-04, March 24, 2016
Respondent, Brenan Duffy, did knowingly make a material misrepresentation to Progressive Insurance Company on February 24, 2015, by falsely reporting the date of loss in an attempt to secure insurance coverage for an accident that occurred prior to the effective time and date of added coverage.
Civil Penalty: $2,500

Stephen Mora, Beverly, NJ
Order #15-51899-35, March 24, 2016
Respondent, Stephen Mora, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 5, 2015, by submitting a fraudulent vandalism claim for his vehicle, when in fact, the vandalism had occurred on October 23, 2014, when he had a higher deductible.
Civil Penalty: $1,500

Ronald Mattonelli, Burlington, NJ
Order #15-53829-35, March 24, 2016
Respondent, Ronald Mattonelli, did provide a materially false statement to Mid-Century Insurance Company in obtaining an automobile insurance policy dated July 20, 2015, by knowingly failing to disclose another individual was a licensed resident in his household.
Civil Penalty: $1,500

Dorothy McCaden, Burlington, NJ
Order #15-52737-35, March 24, 2016
Respondent, Dorothy McCaden, did provide materially false statements to New Jersey Manufacturers Insurance Company on her original policy application dated September 9, 2001, subsequent renewals dated October 12, 2002 and September 16, 2004, and correspondence dated June 23, 2011 and October 28, 2013, by knowingly failing to disclose that there were additional residents in her household and that they were operators of vehicles registered to her.
Civil Penalty: $1,500

Anita Lai, Titusville, NJ
Order #15-52327-47, March 24, 2016
Respondent, Anita Lai, did provide a material false statement to Veterinary Pet Insurance, a subsidiary of National Casualty Company, in obtaining a pet insurance policy on November 18, 2014, by failing to disclose that her pet dog had a pre-existing heart murmur.
Civil Penalty: $1,500

Dawn Moss-McClam, Jersey City, NJ
Order #13-51118-35, March 24, 2016
Respondent, Dawn Moss-McClam, knowingly failed to list a member of the household and a vehicle operator on her application with National Liability and Fire Insurance Company dated March 19, 2012.
Civil Penalty: $1,500

Tamela Blackwell
, Woodbury, NJ
Order #15-50794-35, March 30, 2016
Respondent, Tamela Blackwell, knowingly provided false and misleading information to CURE Auto Insurance Company. Specifically, she failed to disclose individuals as residents/drivers on her automobile application dated January 31, 2013, and her renewal questionnaire dated November 19, 2013.
Civil Penalty: $1,500

Moises Jimenez, New Brunswick, NJ
Order #15-50644-35, March 29, 2016
Respondent, Moises Jimenez, did knowingly provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy on May 31, 2014, by failing to disclose all of the residents in his household. Furthermore, Mr. Jimenez failed to disclose that the insured 2009 Toyota Tacoma was co-owned with another individual who was the primary operator and that the vehicle was garaged at a location other than the policy address. Mr. Jimenez also failed to disclose that the insured 2007 Audi A4 was primarily operated by a different individual and that the vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Jorge Badillo, Freehold, NJ
Order #15-51381-35, March 29, 2016
Respondent, Jorge Badillo, knowingly failed to disclose to Progressive Insurance Company on his application for auto insurance dated August 14, 2011, that there was a licensed household resident driver at the policy address.
Civil Penalty: $1,500

Emanuel Velez
, Union, NJ
Order #15-51883-35, March 29, 2016
Respondent, Emanuel Velez, knowingly failed to disclose to CURE Auto Insurance Company that a family member was the customary operator of his 2009 Chevrolet Aveo when it was added to the policy on February 24, 2015, and that the vehicle was not being garaged at the policy address resulting in a premium savings of $752.
Civil Penalty: $1,500

Graciela Gato, Union City, NJ
Order #12-53331-35, March 31, 2016
Respondent, Graciela Gato, knowingly submitted a false and misleading statement on an automobile policy application with New Jersey Manufacturers Insurance Company dated July 17, 2011. Specifically, Graciela Gato failed to list a licensed household resident who was a regular operator of the policy vehicle.
Civil Penalty: $1,500

Robert Burfeindt, New Milford, NJ
Order #15-53760-35, March 31, 2016
Respondent, Robert Burfeindt, knowingly supplied false and misleading statements to CURE Auto Insurance Company by failing to list a household member on a renewal application dated January 6, 2015.
Civil Penalty: $1,500

Ann Marie Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Ann Marie Ralph, knowingly provided false and misleading statements to her carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 8 and 14, 2010, and November 11, 2010, that her vehicle, the insured 2000 Isuzu Trooper, was stolen on October 3, 2010, from a street in Woodbridge, NJ, when the vehicle had been towed and crushed in New York City in August of 2010.
Civil Penalty: $3,500

Dane A. Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Dane A. Ralph, knowingly provided false and misleading statements to his wife's, Ann Ralph, carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 21, 2010, in a recorded statement that he had observed and tried to start his wife's Isuzu Trooper the day prior to it being stolen when the car had, in fact, been towed on August 9, 2010, and crushed shortly thereafter in New York City.
Civil Penalty: $2,500

Karanja Jackson, Newark, NJ
Order #15-53334-03, March 31, 2016
Respondent, Karanja Jackson, did knowingly provide false and misleading information to Progressive Garden State Insurance Company in relation to a vehicle theft claim submitted on May 22, 2015. Specifically, Karanja Jackson misrepresented the theft of his vehicle, when, in fact, he was involved in a loss on May 22, 2015, prior to the submission of the vehicle theft claim.
Civil Penalty: $5,000

Renay C. Colligan, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Renay C. Colligan, provided a materially false statement on February 13, 2014, to CURE Auto Insurance Company when obtaining automobile insurance. Specifically, the respondent knowingly failed to disclose that Miguel A. Mendoza was the primary driver of her insured 2009 Honda and that his license was suspended.
Civil Penalty: $1,500

Miguel A. Mendoza, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Miguel A. Mendoza, conspired with another individual in that he knowingly had possession of an insured risk, a 2009 Honda; was the sole operator; garaged same at this home and was not listed as a driver on the other individual's policy with CURE Auto Insurance Company dated February 13, 2014.
Civil Penalty: $1,500

 
February


Executed Consent Orders

Jennifer Vasquez, Union City, NJ
Order #15-52121-35, February 10, 2016
Respondent, Jennifer Vasquez, knowingly submitted a false and misleading statement on an automobile application to CURE Insurance Company dated February 27, 2014. Specifically, she failed to disclose an additional household resident operator.
Civil Penalty: $1,500

Mary Reyes, Closter, NJ
Order #15-52836-35, February 10, 2016
Respondent, Mary Reyes, knowingly made a false and misleading statement on her automobile application to CURE Insurance Company dated March 10, 2011. Specifically, she failed to list a household licensed driver.
Civil Penalty: $1,500

Elizabeth Gayflor, Bayonne, NJ
Order #14-52146-35, February 10, 2016
Respondent, Elizabeth Gayflor, knowingly provided false and misleading information to CURE Insurance Company on a policy application dated December 18, 2008, and on subsequent renewal forms from 2009 through 2013. Specifically, Ms. Gayflor failed to list several household residents.
Civil Penalty: $1,500

David J. Banks, Wharton, NJ
Order #13-53085-35, February 10, 2016
Respondent, David J. Banks, on April 4, 2013, knowingly provided a false statement on an auto insurance application with CURE Insurance Company. Specifically, he failed to list a household resident driver.
Civil Penalty: $1,500

Tasha Cromartie, Paterson, NJ
Order #15-50904-35, February 10, 2016
Respondent, Tasha Cromartie, did knowingly provide Progressive Insurance false and misleading information on an automobile insurance policy application dated October 23, 2013, and on a renewal declaration page dated October 23, 2014, by not advising Progressive Insurance Company of an additional household operator.
Civil Penalty: $1,500

Luby Gunhan, Bogota, NJ
Order #15-51404-35, February 10, 2016
Respondent, Luby Gunhan, knowingly misrepresented information on her automobile application with CURE Insurance Company dated November 17, 2014. Specifically, she failed to list all licensed household members.
Civil Penalty: $1,500

Maryse Dambrevil, Irvington, NJ
Order #15-51563-35, February 10, 2016
Respondent, Maryse Dambrevil, knowingly provided false and misleading statement(s) to New Jersey Indemnity Insurance Group on November 1, 2013. Specifically, by failing to notify New Jersey Indemnity Insurance Group of a licensed household resident and driver of the policy vehicles.
Civil Penalty: $1,500

Juan Guerrero, Randolph, NJ
Order #13-53142-35, February 17, 2016
Respondent, Juan Guerrero, knowingly supplied false and misleading statements on two different Plymouth Rock Insurance policy applications dated April 30, 2012 and June 11, 2013. Specifically, by indicating that he was the owner and sole operator of seven different policy vehicles and that all of the policy vehicles were garaged at the policy address, when in fact there were several other people operating the policy vehicles and they were garaged at several different locations in New Jersey and New York.
Civil Penalty: $3,000

Todd Knowlden, East Rutherford, NJ
Order #14-52173-35, February 24, 2016
Respondent, Todd Knowlden, failed to list all licensed household drivers on his IFA Insurance Company’s vehicle questionnaires and renewals dated January 31, 2011 through February 25, 2013.
Civil Penalty: $1,500

Jean Halligan, Pompton Plains, NJ
Order #14-51087-35, February 24, 2016
Respondent, Jean Halligan, knowingly provided false and misleading information on her auto application with New Jersey Manufacturers Insurance Company in March 2009 and on all subsequent renewals up to March 2012. Specifically, Ms. Halligan stated she was married, when in fact, she had been divorced prior to the application. Additionally, Ms. Halligan concealed that another licensed driver was in full-time possession of an insured vehicle which was garaged and operated in Marlboro, NY, for the duration of the policy period 2009 through 2012.
Civil Penalty: $1,500

Xavier L. Salazar, Lyndhurst, NJ
Order #14-53167-35, February 24, 2016
Respondent, Xavier L. Salazar, failed to disclose a licensed household member and regular operator on CURE Automobile Insurance Company renewal application questionnaires on September 15, 2011, December 1, 2012 and September 18, 2013.
Civil Penalty: $1,500

Genevieve Desources Donazald, East Orange, NJ
Order #14-50664-35, February 24, 2016
Respondent, Genevieve Desources Donazald, on February 2, 2012, knowingly provided a false and misleading statement on an auto insurance application with Farm Friendly Casualty Insurance Company; specifically, failing to list an additional household resident driver.
Civil Penalty: $1,500

Lynn Bogstahl-Kaylor, Lavalette, NJ
Order #13-53633-35, February 25, 2016
Respondent, Lynn Bogstahl-Kaylor, knowingly provided false and misleading information to Drive New Jersey Insurance Company. Specifically, by submitting a statement of no loss on June 1, 2013 at 11:18 a.m. indicating that no household member had been involved in any motor vehicle accidents, no one operating a vehicle listed on Lynn Bogstahl-Kaylor's policy had been involved in an accident, and there had been no damage to or theft of any of the vehicles listed on the policy during the time period between 12:01 a.m. on May 26, 2013 and the time Lynn Bogstahl-Kaylor signed this document when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.  Lynn Bogstahl-Kaylor also advised Drive New Jersey Insurance Company on July 19, 2013 that she was involved in an accident on June 2, 2013, when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.
Civil Penalty: $1,500

Alan E. Thatcher, Waretown, NJ
Order #14-50827-10, February 29, 2016
Respondent, Alan E. Thatcher, submitted false and misleading information to NJM Insurance Company material to a claim relating to an October 29, 2012 date of loss. Specifically, Alan E. Thatcher submitted false information in an attempt to receive monetary compensation for property damage that he had already been compensated for by NJM Insurance Company in a prior claim.
Civil Penalty: $2,000

Cesar Necochea, Linden, NJ
Order #13-52875-03, February 29, 2016
Respondent, Cesar Necochea, did knowingly provide false and misleading information to AMICA Property and Casualty Insurance Company in relation to a vehicle theft claim submitted on December 17, 2012. Specifically, Respondent, Cesar Necochea, misrepresented the condition of the vehicle prior to the theft and failed to disclose of a previous loss.
Civil Penalty: $2,500

Catherine N. Courtot, Elizabeth, NJ
Order #15-52996-35, February 17, 2016
Respondent, Catherine N. Courtot, knowingly failed to disclose a licensed household resident on her application for automobile insurance with Plymouth Rock Assurance Company dated May 12, 2015.
Civil Penalty: $1,500

Jose Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly conspired with his father when he was not disclosed on the application for automobile insurance with New Jersey Skylands Insurance Association as a household resident and operator of a policy vehicle on the application dated February 20, 2014.
Civil Penalty: $500

Miguel Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly provided false and misleading information to New Jersey Skylands Insurance Association by not disclosing his son as a household resident and operator of a policy vehicle on the policy application dated February 20, 2014.
Civil Penalty: $1,500

Ryan A. Brown, Bradley Beach, NJ
Order #15-51250-35, February 23, 2016
Respondent, Ryan A. Brown, knowingly made a material misrepresentation to Progressive Garden State Insurance Company when he reported that his auto property damage loss occurred on March 3, 2015, when in fact the loss occurred on March 1, 2015 before 1:52 p.m. ET., prior to him adding collision coverage to his automobile insurance policy with Progressive on March 1, 2015 at 2:26 p.m. ET.
Civil Penalty: $2,500

Jodi Johnson Byers, Scotch Plains, NJ
Order #15-52439-35, February 23, 2016
Respondent, Jodi Johnson Byers, when adding a policy vehicle on March 6, 2013 knowingly failed to disclose to IFA Insurance Company of additional policy vehicle operators of her household and failed to disclose additional operators on her IFA policy renewal underwriting questionnaire dated January 15, 2015.
Civil Penalty: $1,500

Lauren Jefferson, Margate, NJ
Order #15-51916-35, February 9, 2016
Respondent, Lauren Jefferson, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on April 21, 2015 at 9:20 a.m., by indicating that no one operating a vehicle on her policy had been involved in a crash during the lapse period, when in fact, respondent, Lauren Jefferson, was involved in an at fault crash on April 21, 2015 at 8:10 a.m.  Additionally, this misrepresentation resulted in a third party claim to Progressive Insurance Company.
Civil Penalty: $2,500

Gail Maury, Englishtown, NJ
Order #15-52514-47, February 9, 2016
Respondent, Gail Maury, did knowingly provide materially false information on an application for pet insurance to Veterinary Pet Insurance on November 7, 2014 at 10:58 a.m., by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Gerson Gutierrez, Mount Laurel, NJ
Order #15-52433-04, February 17, 2016
Respondent, Gerson Gutierrez, did provide a materially false statement to Travelers Insurance Company by falsely misrepresenting the location of the accident to obtain a benefit he was not entitled.  More specifically, Gutierrez claimed the accident took place in Mount Laurel when in fact, the accident took place at Atco Dragway on April 21, 2015.
Civil Penalty: $5,000

Jose R. Castro, Elizabeth, NJ
Order #12-52240-08, February 25, 2016
Respondent, Jose R. Castro, did knowingly conspire with another individual to make false statements to Progressive Casualty Insurance Company concerning the purported theft of a vehicle on April 14, 2012.
Civil Penalty: $5,000

Samantha A. Rosa, Vineland, NJ
Order #14-53994-35, February 29, 2016
Respondent, Samantha A. Rosa, did knowingly provide a materially false statement to CURE Auto Insurance Company on March 6, 2014, by failing to disclose another individual as the primary driver of the 1994 Acura Integra automobile listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Mario Reyes
, Somers Point, NJ
Order #14--53166-35, February 17, 2016
Respondent, Mario Reyes, did knowingly provide a materially false statement to CURE Auto Insurance Company on an automobile insurance policy dated September 1, 2010, and renewal questionnaires dated August 16, 2011 and July 6, 2012, by failing to disclose that his girlfriend was a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

 
January


Executed Consent Orders

Dominic Gagliostro, Clifton, NJ
Order #14-50054-33, January 21, 2016
Respondent, Dominic Gagliostro, as an employer, knowingly made misrepresentations on September 18, 2012 on a workman's compensation claim to Selective Insurance Company.  Specifically, Dominic Gagliostro provided a statement denying that a certain employee was injured while on the job, which would have effectively denied the benefit that said employee was entitled to.
Civil Penalty: $5,000

Laszlo Gere, Hasbrouck Heights, NJ
Order #14-52807-35, January 11, 2016
Respondent, Laszlo Gere, provided false and misleading information to Plymouth Rock Management Company of New Jersey on December 16, 2013, when he failed to disclose the commercial use of a 200 Ford Econoline Van on an application for personal automobile insurance.
Civil Penalty: $1,500

Victor Vega, Clifton, NJ
Order #15-50838-35, January 4, 2016
Respondent, Victor Vega, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company.  Specifically, by failing to list his wife as a licensed household driver on his automobile policy application request dated January 26, 2013, and again on a renewal form dated January 26, 2014.
Civil Penalty: $1,500

Tony Joisil, West Orange, NJ
Order #15-50495-04, January 4, 2016
Respondent, Tony Joisil, provided false and misleading information to Personal Service Insurance Company on November 16, 2014, after he secured an automobile policy on November 14, 2014, and later claimed to have had a crash on November 15, 2014, when in fact the crash occurred on November 14, 2014, just prior to the policy binding.
Civil Penalty: $3,500

Liliana P. Ocampo, Saddle Brook, NJ
Order #15-50293-04, January 4, 2016
Respondent, Liliana P. Ocampo, on April 2, 2013, failed to disclose two household operators on an application for automobile insurance with Mid Century Insurance/Farmers Insurance Group.
Civil Penalty: $1,500

Jeffrey I. Aron, Matawan, NJ
Order #12-51809-44, January 22, 2016
Respondent, Jeffrey I. Aron, knowingly submitted claims to Delta Dental of New Jersey, Cigna, and Horizon Blue Cross Blue Shield Dental, dated betwe0en April 19, 2011 and May 9, 2011, which contained false and misleading information.  Specifically, Dr. Aron submitted claims with backdated dates of service in order to receive reimbursement for services which were actually rendered after his license to practice dentistry had been suspended.
Civil Penalty: $2,500

Iris Quiones, Perth Amboy, NJ
Order #15-51707-35, January 21, 2016
Respondent, Iris Quiones, knowingly provided false and misleading information to IFA Insurance Company by not disclosing an additional household resident on her policy application dated September 23, 2014.
Civil Penalty: $1,500

Andre J. Vargas, Dunellen, NJ
Order #14-54175-35, January 7, 2016
Respondent, Andre J. Vargas, violated the New Jersey Insurance Fraud Prevention Act by conspiring with Mikisha D. Vargas on September 28, 2011 (application) and on October 4, 2014 (renewal) to Progressive Garden State Insurance Company. Andre J. Vargas was not disclosed on the policy as a resident and driver of the household.
Civil Penalty: $500

Vierge Chery, Union, NJ
Order #14-54211-35, January 6, 2016
Respondent, Vierge Chery, when applying for coverage on September 15, 2014, knowingly failed to disclose to Progressive Insurance Company an additional household resident operator.
Civil Penalty: $1,500

Tamara Jones, Union, NJ
Order #15-51256-35, January 6, 2016
Respondent, Tamara Jones, when providing a recorded statement of no loss on March 18, 2015 at 4:05 p.m., knowingly failed to disclose to Progressive Garden State Insurance Company of the auto loss that occurred on that same date at 1:40 p.m.
Civil Penalty: $3,500

Jaeho Shim, Edison, NJ
Order #15-52014-35, January 4, 2016
Respondent, Jaeho Shim, did provide materially false information to Selective Auto Insurance Company of New Jersey in obtaining an automobile insurance policy dated October 10, 2013, by knowingly failing to disclose that his son was a licensed driver and household resident.
Civil Penalty: $1,500

Gary Stevens, Union, NJ
Order #15-51364-35, January 21, 2016
Respondent, Gary Stevens, when adding a 2011 Kia to his Drive New Jersey Insurance Company policy on September 20, 2014, knowingly failed to disclose an additional operator of this vehicle, and knowingly failed to disclose that this vehicle would be garaged at a location other than the policy address.
Civil Penalty: $1,500

Jeffrey A. Speight, Waldorf, NJ
Order #13-52890-31, January 11, 2016
Respondent, Jeffrey A. Speight, did knowingly provide materially false information with USAA General Indemnity Company on or about December 12, 2011, by falsely claiming he resided in Willingboro, NJ, when in fact, he resided in Philadelphia.
Civil Penalty: $2,500

John McGowan, Bayville, NJ
Order #15-51558-35, January 11, 2016
Respondent, John McGowan, did provide a materially false statement to CURE Auto Insurance Company on December 17, 2014, when renewing automobile insurance, by knowingly failing to disclose a household member with a suspended New Jersey Driver’s license; and whereas, respondent, John McGowan, knowingly supplied material false information to CURE Auto Insurance Company on March 3, 2012, by acknowledging he was the owner of the insured 2003 Dodge Ram, when in fact, the vehicle was purchased, titled and registered to another individual.
Civil Penalty: $1,500

Miriam E. Flaer, Cinnaminson, NJ
Order #12-54255-24, January 11, 2016
Respondent Miriam E. Flaer, did cause claims to be submitted to Aetna Insurance Company between October 2011 and May 2013 for eight prescriptions that she obtained from multiple pharmacies and under the names of multiple physicians during periods when those prescriptions would have been denied due to early refills had she used one pharmacy.
Civil Penalty: $3,500

Barbara L. Dailey, Northfield, NJ
Order #13-50133-12, January 21, 2016
Respondent, Barbara L. Dailey, knowingly provided false and misleading information to Travelers Insurance Company; specifically by stating her ring was stolen from her home on April 12, 2013, when in fact, it was not stolen.
Civil Penalty: $5,000

Wonmi Rooney, West New York, NJ
Order #15-51242-35, January 21, 2016
Respondent, Wonmi Rooney, did knowingly provide materially false information during a statement of no loss on February 23, 2015, to Progressive Insurance Company, by indicating that neither she nor any member of her household had been involved in an at fault motor vehicle accident during the lapse period of February 13, 2015 and February 23, 2015, when in fact she was involved in a motor vehicle accident on February 22, 2015 at 4:40 p.m.
Civil Penalty: $3,500

Griselle Gomez, Paterson, NJ
Order #15-51349-35, January 27, 2016
Respondent, Griselle Gomez, provided false and misleading information to IFA Insurance Company on an automobile insurance application dated August 8, 2014, on an underwriting questionnaire dated August 11, 2014, and on an undisclosed driver certification dated October 27, 2014.  Specifically, she failed to disclose two household residents.
Civil Penalty: $1,500

Danielle R. Falasca, Garwood, NJ
Order #14-52551-35, January 27, 2016
Respondent, Danielle Falasca, failed to disclose a licensed household resident to IFA Insurance Company on February 6, 2014, when she filed an undisclosed driver certification and addition of car form.
Civil Penalty: $1,500

Allison Zeno, Lincoln Park, NJ
Order #15-52177-35, January 27, 2016
Respondent, Allison Zeno, failed to notify CURE Insurance Company on a 2015 auto insurance renewal that a policy vehicle was operated exclusively by a family member who did not reside at the policy address.
Civil Penalty: $1,500

Salvatore S. Mummiani, Hawthorne, NJ
Order #15-50029-35, January 27, 2016
Respondent, Salvatore S. Mummiani, knowingly made a false and misleading statement on his automobile application to CURE Insurance Company dated April 29, 2013.  Specifically, he failed to list a household member as a licensed driver.
Civil Penalty: $1,500

Denise Banks, Newark, NJ
Order #11-23067-33, January 27, 2016
Respondent, Denise Banks, knowingly filed and presented false and misleading information regarding an accident that occurred on January 19, 2011, in the City of Orange, New Jersey, while in the performance of her duties as a police officer.  Specifically, Ms. Banks claimed she was struck while parked in her police unit by a hit and run truck, when in fact she caused the accident while backing onto the roadway.  This misinformation generated a false Insurance Claim with the Hanover Insurance Company.
Civil Penalty: $5,000

Yolanda Dominguez, Emerson, NJ
Order #15-50795-35, January 27, 2016
Respondent, Yolanda Dominguez, when applying for coverage on August 5, 2013, with New Jersey Indemnity Company and on August 5, 2009, with Twin Lights Insurance Company, knowingly provided misinformation material to her policy by failing to disclose a licensed policy household resident operator and that she was separated.
Civil Penalty: $3,000

Pedro L. Martinez, Atlantic City, NJ
Order #14-52991-35, January 27, 2016
Respondent, Pedro L. Martinez, did knowingly provide a materially false statement to CURE Auto Insurance Company on February 20, 2013, on an initial application, and on December 1, 2013, on a CURE renewal application questionnaire, by failing to disclose that a co-owner and the primary driver of the 2007 Nissan Altima automobile listed on that policy, and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

David A. Baxter, III, Mount Ephraim, NJ
Order #14-53078-35, January 27, 2016
Respondent, David A. Baxter, III, did provide a materially false statement to CURE Auto Insurance Company on May 1, 2014, in obtaining automobile insurance, by knowingly failing to disclose his wife was a resident in his household and had a suspended driver’s license; and failed to disclose his stepdaughter was a resident in his household with a New Jersey driving permit.
Civil Penalty: $1,500

 
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